You're steps away from getting your free credit score.

Why are you interested in checking your credit score?

Mortgage or refinance

Pay off or consolidate debt

Rental application

Credit card

Line of credit or personal loan

Monitor my score

By submitting your email address, you agree to receive news and special offers from Ratehub.ca and acknowledge and agree to Ratehub.ca's Terms of Use and Privacy Policy. You can unsubscribe at any time.By clicking continue, I consent to Ratehub.ca obtaining my credit score and report from a credit reporting agency, including the possibility of obtaining an updated credit score and report on a regular basis as long as I have an account with Ratehub.ca. I acknowledge this consent is granted to allow Ratehub.ca to obtain and periodically refresh my credit score and report in order to present tailored personal finance information, product recommendations, partner offers and other education information.The Equifax credit score is based on Equifax’s proprietary model and may not be the same score used by third parties to assess your creditworthiness. The provision of this score to you is intended for your own educational use. Third parties will take into considerations other information in addition to a credit score when evaluating your creditworthiness.

This won't affect your score!

Social Insurance Number Verification

In order to prevent unauthorized access to your credit report, we ask for your SIN so we can better match you with your Equifax credit file. Your SIN is not recorded or stored on our servers, it is only used to verify your identity. To continue, you must provide your SIN.

What is your Social Insurance Number?

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Verify your identity

In order to verify your identity, we need to ask you a few personal questions that only you would know.

Please answer the following

Do you have a mortgage?

How much is your home worth?

What is the size of your remaining mortgage?

When does your mortgage renew?

/

How many credit cards do you have?

What credit card(s) do you have?

Verify your email address

A verification link has been sent!
Please check your email to continue.

Your score is

You have a poor credit score. This means there is room for improvement and the products below may help you in reaching your financial goals.

You have a fair credit score. This means there is room for improvement and the products below may help you in reaching your financial goals.

You have a good credit score. This means you may be eligible for the products offered below.

You have a very good credit score. This means you may be eligible for great rates and products, as offered below.

You have an excellent credit score. This means you may be eligible for the best rates and products, as offered below.

The score provided to you is the Equifax Risk Score, which is also known as ERS 2.0. The Equifax credit score is based on Equifax’s proprietary model. The provision of this score to you is intended for your own educational use. Lenders will take into consideration other information in addition to a credit score when evaluating your creditworthiness.

We're sorry, your credit score is not available at this time.

You may not have sufficient credit history to generate a credit score.

Your credit report

Collections

If you've fallen behind on payments, your account could be sent to collections. This can have a big impact on your credit score.

Credit inquiries

When you apply for a new account, a hard credit inquiry will usually get added to your report. These can make a small dent in your score. Here are the inquiries on your Equifax report:

Checking your Credit Score with Ratehub.ca

Instant

It takes less than 3 minutes to complete the online process and see your score instantly.

How do I get my Credit Score?

At Ratehub.ca, we believe everyone should have the tools they need to make smart financial decisions when comparing financial products. That's why we've partnered with Equifax Canada to provide you with your Credit Score.

Why is my Credit Score important?

Your score can impact your ability to quality for a new credit card, loan or mortgage. Whether you are saving for your first home, looking for a new credit card, or hoping to rebuild your credit history, your score is a key factor in the lenders desire to work with you.

Another often overlooked fact is that having a low or high credit score can often be linked directly to the interest rate you will get for certain credit products. Credit cards, and especially loans and mortgages, are directly linkde to your credit history, score and overall financial position.

It's important to know your score so you can make changes necessary so you can make sure you are best positioned in the eyes of the lender.

Why does Ratehub.ca offer my score for free?

When we provide you with your Credit Score, you get access to your Equifax Canada credit score. We in turn use our love of data and analytics to tailor product recommendations that will help you achieve your financial goals. Whether it's building credit, saving for a downpayment, or buying a home. We get paid by bank, lender and credit card partners if you're interested in one of their products.

Thus, there is no cost to you, and you get offers highly customized just for you!

Equifax Security Breach Update

Recently, Atlanta-based Equifax announced that unauthorized individuals gained access to customer information stored in their database. The following information is provided by Equifax:

October 2nd, 2017 - Equifax Inc. announced today that the cybersecurity firm Mandiant has completed the forensic portion of its investigation of the cybersecurity incident disclosed on September 7 to finalize the consumers potentially impacted.

With respect to potentially impacted Canadian citizens, the company previously had stated that there may have been up to 100,000 Canadian citizens impacted, but that number was preliminary and did not materialize. The completed review subsequently determined that personal information of approximately 8,000 Canadian consumers was impacted. In addition, it also was determined that some of the consumers with affected credit cards announced in the company's initial statement are Canadian. The company will mail written notice to all of the potentially impacted Canadian citizens.

You can read Equifax’s release in its entirety here,
and direct any questions to Equifax directly by calling 1-866-828-5961.

Ratehub.ca has partnered with Equifax Canada since November 2016 to offer our users free Credit Scores. As one of Canada’s two major credit bureaus, your bank, utilities provider or other parties may have used Equifax Canada to verify your creditworthiness for financial products (like a mortgage or credit card), utilities or for other uses.

Ratehub.ca servers were not hacked, and Ratehub.ca is still secure and not affected by this security breach.

We encourage you to monitor Equifax Canada’s website
as further details about the hack become available.

If you have any further questions or concerns, they should be directly addressed to Equifax by calling them at 1-866-828-5961.

The score provided to you is the Equifax Risk Score, which is also known as ERS 2.0. The Equifax credit score is based on Equifax’s proprietary model. The provision of this score to you is intended for your own educational use. Lenders will take into consideration other information in addition to a credit score when evaluating your creditworthiness.